Banks with the largest QoQ rise in CRE — commercial nonperforming ratio
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
| Rank | Institution | Source | State | QoQ Δ NPL % | Trend | |
|---|---|---|---|---|---|---|
| 1 | NANO BANC | BANK | CA | +36.1 | ||
| 2 | FIRST SECURITY BANK&TRUST CO | BANK | IA | +35.1 | ||
| 3 | INTERNATIONAL BK OF COM | BANK | TX | +15.6 | ||
| 4 | SOUTHSIDE BANK | BANK | TX | +11.8 | ||
| 5 | BANK OF WASHINGTON | BANK | MO | +4.2 | ||
| 6 | B1BANK | BANK | LA | +3.4 | ||
| 7 | CENTRAL TRUST BANK | BANK | MO | +3.2 | ||
| 8 | MIDFIRST BANK | BANK | OK | +2.0 | ||
| 9 | STELLAR BANK | BANK | TX | +1.7 | ||
| 10 | SMBC MANUBANK | BANK | CA | +1.4 | ||
3 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind | ||||||
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| Rank | Institution | Source | State | QoQ Δ NPL % | Trend | |
|---|---|---|---|---|---|---|
| 11 | MECHANICS BANK | BANK | CA | ████ | ████ | |
| 12 | NEWTEK BANK NATIONAL ASSN | BANK | FL | ████ | ████ | |
| 13 | BANK OF AMERICA NA | BANK | NC | ████ | ████ |
Methodology
This card ranks banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose at least 0.5 percentage points (0.005) quarter-over-quarter, and surfaces the top 50 by that rise. For banks (FDIC-insured): the per-category nonperforming ratio used for ranking comes from FDIC BankFind financial data (the NCRER / NCCOMRER / NCRECONR / NCREMULR / NCRENRER / NCRERESR families). The supporting dollar columns (loan balance, nonperforming volume) come from FFIEC Call Report Schedule RC-N, adding up the Call Report lines behind each BankFind category: CRE — commercial ← RC-N 1.c.(2)(a) RCONC237/RCONC229 + 1.c.(2)(b) RCONC239/RCONC230; CRE — construction ← RC-N 1.a.(1) RCONF174/RCONF176 + 1.a.(2) RCONF175/RCONF177; CRE — multifamily ← RC-N 1.d RCON3500/RCON3501; 1-4 family residential ← RC-N 1.c.(1) RCON5399/RCON5400 + 1.e.(1) RCONF180/RCONF182 + 1.e.(2) RCONF181/RCONF183. CRE — non-residential has no Call Report lines of its own (its non-owner-occupied loans are already counted under CRE — commercial), so its dollar columns are left blank. Source note: the ranking uses the BankFind ratio; the dollar columns come straight from the bank's filing in the FFIEC Central Data Repository (CDR). When a bank's CDR filing isn't available for the quarter, it shows the ratio only, and its detail page notes that it is using BankFind data. Methodology updated 2026-03-31: the per-category dollar columns now come directly from FFIEC CDR Schedule RC-N. Earlier quarters showed only the BankFind nonperforming ratio, without dollar amounts. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.